Natural hazards · Harmony

Harmony, ME natural hazards

Most of the natural-hazard damage FEMA expects in Harmony comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1983. 6 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Harmony?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Harmony to be higher than in 49% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves26%Hurricanes18%Everything else14%

By hazard

What Harmony faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

42% of expected damage

Above average · higher than 55% of U.S. places

Recorded about 4 times a year in the area

Cold waves

26% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

18% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 10 years in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Harmony flood?

Every paid claim on a federal flood insurance policy in Harmony, from FEMA’s records.

1paid claims since 1983

$2Kpaid to owners

0homes flooded more than once

19832026

of all homes
are insured

No community discount. Harmony isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Somerset County.

Disasters that hit Harmony

6 federal disasters brought FEMA money here

Disasters the President declared that paid out in Harmony itself: aid to households, or repair grants to the Town of Harmony.

Brought FEMA money into HarmonyDeclared for Somerset County only

2023

Severe Storm and Flooding

1 household applied for aid $91K to the Town of Harmony for repairs

2022

Severe Storm and Flooding

$6K to the Town of Harmony for repairs

2008

Severe Storms and Flooding

$12K to the Town of Harmony for repairs

2007

Severe Storms and Inland and Coastal Flooding

$17K to the Town of Harmony for repairs

2003

Severe Storms, Flooding, Snow Melt and Ice Jams

$9K to the Town of Harmony for repairs

2000

Severe Storms, Flooding, and Ice Jams

$14K to the Town of Harmony for repairs

Somerset County has had 25 natural disasters declared since 1953, most often severe storms and floods.

Around Harmony

Harmony and the towns around it

Very lowLowModerateHighVery high

Wellingtonmostly cold wavesModerate

Harmonymostly inland floodingModerate

Athensmostly inland floodingModerate

Cambridgemostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Harmony is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Harmony’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Harmony. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.